FVCbank vs. Popular Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | FVCbankAdvantage Direct Savings Jan 7, 2026 | Popular DirectPopular Direct Select Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.85% | 3.90% |
Est. Earnings | $5,000+$193 $10,000+$385 $25,000+$963 | $5,000+$195 $10,000+$390 $25,000+$975 |
Min Deposit | $500 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredLow MinimumsGreat iOS AppZelle® Supported | FDIC InsuredLow Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing FVCbank vs. Popular Direct
As of FVCbank offers an APY of 3.85% for its Advantage Direct Savings account, with a minimum balance of $500, compared to Popular Direct's 3.90% APY for its Popular Direct Select Savings account, with a minimum balance of $0.01.
Popular Direct pays $5 more than FVCbank on a $10,000 balance after one year. FVCbank pays $385, while Popular Direct pays $390 - an APY advantage for Popular Direct.
Why FVCbank?
- ✓Higher rated iOS app (4.4 vs 1.3)
- ✓Fast transfers via Zelle®
Why Popular Direct?
No distinct advantages found vs FVCbank.
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $5 more interest on a $10,000 balance than FVCbank's Advantage Direct Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, requiring a minimum deposit of $500 and no maintenance fees. In comparison, Popular Direct's Select Savings account provides a slightly higher APY of 3.90%, with a much lower minimum deposit of just $100 and a minimum balance requirement of only $0.01, also with no maintenance fees. Both accounts are online-only and do not require direct deposit. Given the higher APY, Popular Direct is the winner in this comparison.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
FVCbank vs. Popular Direct Savings Calculator
You earn $5 more with Popular Direct than FVCbank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | FVCbank | Popular Direct |
|---|---|---|
| APY | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Advantage Direct Savings | Popular Direct Select Savings |
| Minimum Deposit | $500 | $100 |
| Min. Balance for APY | $500 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.4 Android3.6 | iOS1.3 Android1.3 |
| Zelle® Support | Available Integrated into mobile app. | Not Supported |
| BBB Rating | B- | A+ |
| Next Steps | Visit SiteVerify at FVCbank Non-sponsored link to official site | Visit SiteVerify at Popular Direct Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | FVCbank | Popular Direct |
|---|---|---|
| Advantage Direct Savings | Popular Direct Select Savings | |
Current APY | 3.85% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.5 | -1.1 |
Days Since Change | 67 | 23 |
10-Month High | 4.55% | 4.10% |
10-Month Low | 3.85% | 3.90% |
Adjustments / Mo | 0.81 | 0.51 |
Volatility Score | 0.063 | 0.013 |
How to read these metrics(Click to expand)
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